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Bob Ernst who originally started working with Jerry in 1968, is now an associate of JB&A, was also a vital part of the management team that ran the credit card pick up operations of All State Credit & Research, Inc., initially operating out of Santa Anna, California. Bob developed for All State Credit a personalized Credit Card pick up program for Visa, MasterCard, American Express and Diners Club credit card issuers. This service provided over 300 field representatives, that Bob had assembled, to go to a person’s residence or place of employment and pick up a clients credit card. Bob also was the West Coast Regional Vice President of the companies collection agency operations and was responsible for operations in San Bernardino, Riverside, Placentia and Los Angeles, CA.


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